Rate: Home, Finance & Wellness

At Rate, homeownership is the foundation of a better future — and the Rate App brings your financial life, wellness routines, and home upgrades together in one secure place. Explore mortgages, refinancing, HELOCs, insurance, personal wellness content, and Rate‑owned lifestyle brands designed to support your whole‑life wellbeing. 

Mortgage & Home Equity Tools  
Compare home loans, refinancing options, and mortgages that fit your budget.  Estimate payments with our mortgage calculator and explore multiple scenarios.  
Browse MLS‑style listings to find your next home.  
Track your home value and monitor equity growth over time.
Apply for mortgages, HELOCs, and home equity loans directly in the app.  
View loan details, balances, interest rates, and repayment schedules.  
Make secure payments through our Loan Center. 
 
Rate Insurance - Explore insurance options for home, auto, pet, life, renters, and more.  Compare quotes and find coverage that aligns with your financial goals. 
 
Rate Travel – Search and book flights, hotels, car rentals, and vacation packages. Compare prices to save on every trip. 
 
RateFit – Shop high‑quality athleisure and lifestyle apparel, track orders and manage returns directly in the app. 
 
Rate Outdoors – Upgrade your home with outdoor furniture, decor, saunas, cold plunges, and showers. Build a backyard retreat that supports your wellness and long‑term home goals. 
 
Physical Wellness – Explore yoga flows, guided meditations, outdoor workouts, soundscapes, and recovery routines.  Build daily habits that support movement, sleep, and stress reduction.  

Sports Performance Content Access new video series across golf, pickleball, tennis, and padel. Learn techniques, drills, and routines to improve your game. 

Train Like a Champ– Follow guided workouts and performance routines designed by elite athletes, Tyson Bagent, Chris Chelios, Julianna Peña, Jameis Winston and Grayson Goldin. 
 
Mental Wellness – new content & professional support, access 55+ videos covering anxiety, depression, trauma, grief, and relationships. Connect with mental health professionals through our partnership with Project Healthy Minds.  
 
GR Personal Loans – important information 
Standard GR personal loans feature fixed rates from 10.99% to 21.99% APR. With a 0.25% autopay discount set up at origination using an automated monthly debit from a qualifying deposit account, fixed rates range from 10.74% to 21.74% APR. Loan amounts range from $4,000 to $50,000 and are subject to state requirements. Loan proceeds cannot be used for post-secondary education expenses or to purchase cryptocurrency or securities. Loans are made by Guaranteed Rate, Inc. (NMLS ID 2611). The minimum repayment term for GR personal loans is 12 months and the maximum is 60 months. Our maximum annual percentage rate (APR) is 21.99% and may vary based on state requirements. This is a representative example of the cost of a GR personal loan: For $20,000 borrowed over 36 months at 10.74% APR (including the 0.25% autopay discount), the total cost of the loan, including principal and all applicable fees, is $23,483.32, assuming payments are made on time. GR personal loan prepayment options range from 1–5 years. GR personal loans do not require repayment in full in 60 days or less from the loan issue date. You must be 18 years of age or older (19 years or older in Alabama). To qualify, a borrower must be a U.S. citizen, permanent resident or non-permanent resident in the U.S. on a valid, long-term visa. All loan applications are subject to credit review and approval as well as income and employment verification. Your actual rate depends on your requested loan amount, loan term, creditworthiness and other factors. Rates and loan amounts may differ due to state-specific requirements. The lowest advertised rate is reserved for the most creditworthy borrowers. Advertised rates are current as of 2026-06-30 and are subject to change without notice. 

Recent changes:
What’s New

Introducing Renter's Insurance for renters.

New onboarding experience with an animated welcome screen and personalized setup questionnaire.

Added a push notification opt-in flow to help you stay informed.

Agents can now receive pipeline update text messages and manage preferences in Notification Settings.

General improvements and bug fixes.